Coverage for funeral and end-of-life costs
Final Expense Insurance
Final expense insurance covers the costs your family should not have to worry about. Funeral expenses, medical bills, and other end-of-life costs are handled so your loved ones can focus on healing.
A Bill Your Family Should Not Receive at the Worst Time
Final expense insurance is a smaller life insurance policy, typically $5,000 to $50,000, designed specifically to cover funeral costs, medical bills, and other end-of-life expenses. The average traditional funeral with burial runs $7,000 to $12,000, and most families are not prepared for that bill at the time it lands. Funeral homes generally require payment before or at the time of service.
The average funeral costs $7,000 to $12,000. Final expense insurance makes sure your family is not handed that bill at the worst possible time.
Why It Matters
Final expense policies use simplified underwriting, so you may qualify even with health conditions that disqualify you from larger policies. Premiums are fixed for life. The death benefit goes to your beneficiary with no restrictions on use. We help you choose the right amount of coverage, compare options from multiple carriers, and confirm the policy fits the rest of your estate plan.
The average funeral costs $7,000 to $12,000, and most families are not prepared for that expense. Final expense insurance makes sure your family is not burdened with a bill at the worst possible time.
Who You Work With
Licensed, Credentialed, and on Your Side
Your plan is only as strong as the people behind it. The advisors below are the licensed agents and consultants who design, place, and service your coverage.
Chris Cohan
CEO | ChFC®, RMA®
ChFC® · RMA® · Series 6, 63, 65 · AZ Life & Health
With over 25 years in financial services and deep Arizona roots, Chris takes a steady, thoughtful approach to wealth and estate planning. As a Chartered Financial Consultant® (ChFC®) and Retirement Management Advisor® (RMA®), he helps individuals and families build, protect, and transfer wealth through personalized strategies.
View ProfileStephen Levin
Tucson Director of Risk Management | Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Stephen brings a background in risk management to his role at RJP, where he helps Tucson-area families protect what they've worked so hard to build. Before transitioning into estate and insurance planning, he spent years in risk-management leadership, learning how to spot vulnerabilities and build strategies that hold up when it matters most.
View ProfileRon Tallou
Wealth Management Advisor, Fiduciary
Series 6, 63, 65 · Licensed Insurance Agent
Born and raised in Michigan, Ron developed a strong work ethic and deep appreciation for community values early in life. These formative experiences ignited a lifelong passion for wealth management, ultimately shaping his career in finance.
View ProfileThomas Fryar
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
As a financial services professional since 1978, Thomas has developed risk-managed retirement income and estate-transfer strategies that help clients protect lifetime cash flow, provide for surviving spouses or special-needs family members, and pass wealth efficiently across generations. His four decades in life insurance and planning inform a disciplined, education-driven approach to protecting family assets.
View ProfileLenny Trujillo
Senior Planning Consultant | CLDP | Licensed Insurance Agent
Certified Legal Document Preparer (CLDP) · Licensed Insurance Agent
For more than 25 years, Lenny has helped Arizona families sit down at the kitchen table and finally make sense of retirement, trusts, and what happens to everything they've worked for. A Certified Legal Document Preparer and licensed life and health insurance agent, he walks clients through revocable living trusts, special needs planning, powers of attorney, and insurance-based asset protection in plain English. Clients consistently describe him as patient, warm, and genuinely interested in their story, the kind of advisor who'll pause the paperwork to hear about the grandkids before getting back to the signatures.
View ProfileRalph Abate
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Drawing on more than 30 years in insurance and retirement-income planning, Ralph structures tax-efficient wealth-transfer and protection solutions for RJP clients. His analytical approach and coaching style help households understand complex options and make informed decisions.
View Profile
Client Testimonials
Common Final Expense Insurance Questions
Answers to the questions Arizona families ask most about final expense insurance.